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How do I get verified by Experian
I have moved around quite a bit over the last few years, I never stay longer than 1 - 1 and half years at an address. I have not had any credit for about 10 years, I tried not to have credit cards or loans. Last year I tried to register with Experian to try and build my credit score. They had problems verifying me and…
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Help with Shop Direct please
Hi all, I asked a few years ago but no one could help so I'm hoping things have changed. Just under 5 years ago I entered a DMP with Stepchange which is plodding along happily. All my creditors added defaults to my file that are due to clear Feb 2022. Shop Direct with Very and Littlewoods refused and are marking my credit…
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NatWest refuse to remove their hard search.
Hi all. I've been a NatWest current account customer since 2018. In December 2020 I got an idea that it might be good to open another NatWest current account for rewards. However, I was planing to open it in 2021 after applying for another product with a different bank. Just out of curiosity, and perhaps because I had…
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Defaults after 6 years
Hi everyone, I have 5 defaults on my credit file from 2017 and 2018. Since then I have managed to get much better control of my finances and I'm slowly reducing my debt. I've not missed a payment since my last default in December 2018. I'm wondering if - all things going to plan and not missing any payments and having no…
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Should I pay off defaults when I have CCJs?
I wasn't that smart in the past, ignored a few things and due to a job change, didn't pay a couple of things. I've got 2 paid off CCJs, so maybe 3 years left before they drop off my file. Also a default for a little over £600 for 3, and one of just over £4k for Vanquis. Both are with Lowell and neither have any interest…
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How do I find historic credit scores?
Hello, I signed up to LOQBOX in September 2019 with their 50 points promise however my score has not increased by 50 points and they’re asking me to show them my Credit Score from September 2019. Credit Karma doesn’t have the ability to go back. ClearScore does but it doesn’t show my credit score (I only signed up to it…
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Cabot CCJ
Been on with Stepchange for years, cancelled them to self manage my debt. I requested the CCA they have sent a photocopy of it. They have sent me a letter saying i need to call them or they will look to give a CCJ. I owe £1200 to them and offered £300 full settlement. I haven't paid them for 3 months. I have a default from…
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Credit Approval Zero / Credit Score 100%????
Hi Guys, I am totally bemused by my situation. I am a paid member of both Experian & Equifax and keep an eye on my credit score. About 2 years ago, my score did take a slight dip (one or two late payments on my company expenses related card) which resulted in Virgin Money (Credit Card) sending me a letter and freezing the…
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Multiple CCJs & Credit Score
Hello Peeps, I am struggling to find an answer to the below question so hoping someone on here has the answer. So I am currently trying to get my finances in order and I have checked my credit report. It turns out I have 2 CCJ's, 1 from 2018 that I am aware of and one from 2019 that I am not as I moved address and the…
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Credit score
Me and partner are wanting to buy our first home. My score has dropped to poor on Experian but I only have around £1500 debt. It is a recent loan of £1000. Does credit score really matter? As I haven’t got any other debt except from a catalogue and a overdraft of £250 which I go into every month. Will I have to keep my…
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Paying off loan - impact on score??
Hi all, I took out a personal loan with TSB after two large (£1600 each) overdrafts always kept me in the red alongside buying too much stuff I don’t need. I’ve learnt from my mistakes but am left with paying a big loan (to me!) which is essentially over £5000 over two years including interest. I was awfully upset at the…
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Chasing debt from 2012
A new company took over the management of my flat in October 2018 and in doing so, took my opening balance from the closing balance of the old company. The closing balance included a 'confirmed disputed charge' from March 2012 of £384. The new company have advised I need to speak to the old company to resolve this. Do I…
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How do debts work
So my friend has about £5000 worth of debt. He was in IVAs twice but as he was on benefits could not sustain the repayments at £100 a month for 5 years. One of the debts has disappeared off of his file, for £1648 which was with Lowell and the others with the same company are still showing. Hes received no contact from…
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Carphone warehouse
So carphone warehouse keep adding the same agreement to my credit file that isn't mine, I've been in touch with them and they investigated it and sent me a letter to say it was a false account that someone else had most likely set up with my details. I've been in touch with equifax too regarding removing it and I'm at the…
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Life after defaults . Will score ever improve ?
I will keep this as short as possible . Stupidly , aged 23 having lost my job and having head in sand , i defaulted on my mobile phone , my mobile phone contract , an Argos card and my credit card . These four defaults happened over 18 months . The defaults were my fault and totalled £2000. Defaults registered 2015 I…
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Warning - 'Free' 0% balance transfers can wreck your credit score and are rarely free
"Free" 0% balance transfers can be bad for your credit score and are mis-labelled. If you have built up credit card debt, your interest repayments are high and your credit rating is low, 0% balance transfers can sound like a great option. However ... 1. Every time you do a balance transfer the card company does a credit…
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CCJ issued after being misled by private parking firm - VCS
I received a parking ticket in May which I disputed through VCS appeals portal, I never heard anything back but continued to chase via the call centre as I was receiving further letters from VCS and the fine was increasing with each letter. When I called I was told to ignore these letters, that my appeal had been received…
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Will switching or adding more accounts to get freebies affect my credit rating?
I receive the MSE Newsletter and enjoy looking through all the deals.The one thing that concerns me though is if I keep switching or opening up new accounts to get the free goodies (latest one is 15 bottles of wine) will this affect my credit rating?Is there a certain way of getting these deals without being affected.I…
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Can someone please help? Signed up to equifax and panicking
So, I did something really silly yesterday and signed up to Equifax.co.uk to view my credit score. It said that I could have 1 months free trial and cancel at anytime. I didn’t think much of it as this company is the company banks in UK use to check credit scores, so surely it would be a professional business? I was so…
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Credit rating for those with Indefinite Leave to Remain (ILR).
Hi. My GF has ILR, and while I got myseflt on electoral roll as a british citizen to help my credit score she cant do that I understand, or am i wrong? My question is what are her alternatives to improve her credit rating and worthyness, and whats different compared to UK passport holders? Thanks
